In order to avoid being discovered, some people often use stocks to speculate on loans tx.

Then transfer them to the stock market. They will change other people's accounts in cash. But banks can easily find their own names.

However, according to relevant laws and regulations, it is illegal to apply for loans in the name of consumer loans if the funds are used for stock market speculation. According to Article 18 of the Measures for Punishment of Financial Violations, financial institutions shall not engage in securities, futures investment or other derivative financial instruments transactions in violation of state regulations, nor provide credit funds or guarantees for securities, futures or other derivative financial instruments transactions, nor engage in non-self-use real estate, equity, industry and other investment activities in violation of state regulations. In addition, there are risks in the stock market, which may be huge debts caused by loan speculation.

Under the supervision of the bank's technical means, if a consumer loan is applied for stock market investment, the bank will find out. Although there is not much consequence in name, this dishonest behavior will be recorded by the bank, and the subsequent loan may be more difficult.

If it's just normal loan financing, there's nothing to worry about, but if you want to hide money and avoid debt in this way, as long as the loan expires, all assets are within the tracking range.

If the purpose of the loan is agreed, it is regarded as misappropriation of the loan, and the bank has the right to recover the loan in advance and demand to bear the corresponding liability for breach of contract. Generally speaking, there are only two methods: one is inter-bank transaction; The second is cash deposit and withdrawal. The former increases the query difficulty, but there are still accounts to check. The latter is not recorded, but large cash deposits and withdrawals may be regarded as suspicious xq.

Deal. A lot of money is sure to be noticed. It is very dangerous not to borrow money to invest in the stock market.

Can personal stocks be mortgaged?

As long as you meet the loan conditions, you can apply for a loan with stocks as collateral. The following is the handling process of stock pledge loan:

1. The borrower applies for a loan at the lending institution and receives the application form;

2. Fill in the application form and submit the pledge ownership certificate, ID card and other related materials;

3. Review materials of lending institutions;

4. After approval, go through the relevant procedures of stock pledge and sign a loan contract;

5. Lenders lend money and borrowers repay it on time.

1. Margin trading, also known as securities credit trading or margin trading, refers to the behavior that investors provide collateral to securities companies qualified for margin trading, borrow funds to buy securities (margin trading) or borrow securities to sell them (margin trading). Including securities companies financing and securities lending to investors and financial institutions financing and securities lending to securities companies. From a global perspective, the margin trading system is a basic credit trading system. 2. Personal stock pledge loan refers to the pledge of listed company stocks, securities investment fund bonds and convertible bonds held by individual shareholders. The equity pledge rate shall be determined by the lender through consultation with the borrower according to the quality of the pledged shares and the financial credit status of the borrower, but the maximum shall not exceed 60%. The adjustment of the upper limit of pledge interest rate shall be decided by the People's Bank of China in conjunction with the China Banking Regulatory Commission. It takes the company's equity as the right target. When the debtor whose creditor owns the debtor or a third party guarantees his creditor's rights fails to perform the debt, the value of the shares held by him is prior to that of other creditors. This behavior of setting shares as pledge is called stock pledge. Stocks cannot be used as collateral. Mortgage can only be used for houses or cars.

Although stocks can be used as personal financial vouchers for credit loans, they can also be used as pledged loans. Individuals get loans through stock pledge, usually small loan companies, while bank stock pledge is mainly aimed at institutional business.

Loan repayment method:

1. Equal principal and interest repayment method: the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal amount at the beginning of the month and settled every month. Because the monthly repayment amount is equal, in the initial monthly repayment amount of the loan, after excluding the monthly settlement interest, the loan principal is less; In the monthly repayment at the end of the loan, after deducting the interest settled on a monthly basis, the principal of the loan is more.

2. Repayment method in average capital: Decreasing repayment method refers to average monthly repayment of loan principal, and monthly settlement and repayment of loan interest.

Can I get a loan with a bank card with a stock account?

can

Yes, there is no conflict between the stock account and the loan. Stock accounts are only used for investment and financial management, and have no influence on individuals. You can use it or not. If the stock account does not operate or has no funds for about 6 months, it will become dormant.

As long as there is no problem with investors' credit information, they can borrow money to buy a house. After the loan is approved, investors can repay the principal and interest on time (overdue will affect the credit investigation). When investors have idle funds, they can choose to repay the loan in advance or invest in stocks.